Nokia would have bigger user appeal if they had more apps for their smartphones. Like it or not, apps now sell phones. That's the crazy sort of messed up world we live in.
So, why do Apple win here? They put a lot of time and money into a very comfortable dev environment with an SDK that works properly from beginning to end and all the resources in one simple place.
Android = Java. That's not changing much and Google are supporting their devs like crazy.
Nokia's SDK is a mess. The community places help and resources everywhere which is great for community devs but not for a commercial developer to spend the time (£) looking around for. Packaging things for Maemo seems to be a bit of a performance. And where's it all going? For the N900, not anywhere good. For the first MeeGo devices? Who knows as yet?
Confidence in Nokia should be highest in a forum like this (where the geeks and early-adopters live). Sadly, it is not a happy place most of the time. Problem is, confidence from the consumer brings confidence from the company. That brings confidence from the Markets. This problem is structural.